JP2022032781A - Program, electronic value management device and electronic value management method - Google Patents

Abstract

To provide an electronic value management device that allows a payer who uses an electronic value to obtain a favorable counter value for use of the electronic value while ensuring convenience of the payer.SOLUTION: An electronic value management device 101 includes: a transaction storage unit 202; a transaction information acquisition unit 205 that acquires transaction information of a target transaction; a feature information generation unit 206 that generates transaction feature information that indicates a feature of the target transaction; a feature information transmission unit 207 that transmits the transaction feature information to a plurality of candidate terminals, which is provision destinations of provision information; a countervalue information acquisition unit 208 that acquires countervalue information indicating a countervalue for the provision information from the plurality of candidate terminals; a provision destination information acquisition unit 210 that acquires provision destination information based on the countervalue information; a provision information transmission unit 211 that transmits the provision information to the terminals of the provision destinations; and a balance update unit 212 that acquires payment information indicating payment corresponding to a transaction amount of the target transaction from other values different from the electronic value to an electronic value of a payer and updates balance information of the electronic value.SELECTED DRAWING: Figure 2

Description

The present invention relates to a program, an electronic value management device and an electronic value management method.

Payments are made using electronic value in transactions such as goods and services. For example, electronic money, which is one of the electronic values, is recorded as information on a portable terminal and used for payment in various transactions including the use of transportation. A payment function using multiple types of electronic money may be installed in one terminal. In Patent Document 1, a priority order for performing one payment process by combining a plurality of electronic money applications is set, and the electronic money applications are sequentially accessed so that the total payment amount becomes the payment amount in the order of the priority order. An electronic money system that enables one payment process to be performed is disclosed.

Japanese Patent No. 5311612

In the electronic money system described in Patent Document 1, when payment is made using a plurality of electronic money applications, the payer of the transaction can confirm and change the priority among the electronic money applications before payment.

For example, the priority given by the payer between the electronic values can be determined based on the consideration such as points given by the electronic value business operator to the use of the electronic value. The consideration also includes the consideration set by the content of the payment, for example, the points fluctuate according to the payment amount. If the electronic value is prioritized prior to payment, it cannot be prioritized according to the content of the payment. Therefore, it is less likely that the electronic value to be used will be determined based on a price that is more favorable to the payer.

In addition, the content of consideration may change for each transaction and for each business operator of electronic value. If the payer needs to select an appropriate electronic value business based on the consideration for each transaction, the convenience of the payer is reduced.

Therefore, the present invention is an electronic value management device, a program that enables a payer to obtain favorable consideration for the use of electronic value while ensuring the convenience of the payer who uses electronic value. And to provide electronic value management methods.

The program according to one aspect of the present invention is a transaction of a target transaction, which is at least one transaction by the payer of the transaction, from a transaction storage unit in which transaction information indicating a transaction using an electronic value is stored in a computer. Transaction information acquisition processing to acquire information, characteristic information generation processing to generate transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction, and provision of transaction characteristic information based on the transaction information of the target transaction. Feature information transmission processing to be transmitted to multiple candidate terminals to which information is provided, and consideration information to show consideration for the provided information and acquire consideration information generated based on transaction feature information from multiple candidate terminals. Acquisition process, provider information acquisition process to acquire provider information indicating the provider selected based on consideration information from multiple candidates, and generation of provider information based on the transaction information of the target transaction, and the provider The target of the provision information transmission process to be sent to the destination terminal based on the information, and the electronic value of the payer from other values associated with the destination that are different from the electronic value. Acquires deposit information indicating the deposit of the amount corresponding to the transaction amount of the transaction, and executes the balance update process of updating the balance information of the electronic value of the payer.

The electronic value management device according to another aspect of the present invention is a transaction storage unit that stores transaction information indicating a transaction using an electronic value, and a target transaction that is at least one transaction by a payer of the transaction. The transaction information acquisition unit that acquires the transaction information of the target transaction, the feature information generation unit that generates the transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction, and the transaction characteristic information as the transaction information of the target transaction. A feature information transmitter that sends information to multiple candidate terminals to which the provided information is provided, and a consideration information generated based on the transaction feature information, which indicates the consideration for the provided information, is acquired from the plurality of candidate terminals. The consideration information acquisition unit, the provider information acquisition unit that acquires the provider information indicating the provider selected based on the consideration information among a plurality of candidates, and the provider information target based on the provider information. A target transaction to the payer's electronic value from the offer information transmitter that sends the offer information based on the transaction information of the transaction and other values that are different from the electronic value and are associated with the provider. It is provided with a balance update unit that acquires deposit information indicating the deposit of the amount corresponding to the transaction amount of the payer and updates the balance information of the electronic value of the payer.

The electronic value management method according to another aspect of the present invention is a transaction at least once by a payer of a transaction from a transaction storage unit in which transaction information indicating a transaction using the electronic value is stored in a computer. Acquiring transaction information of a certain target transaction, generating transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction, and providing transaction characteristic information based on the transaction information of the target transaction. Sending to multiple candidate terminals that are the destinations of the transaction, showing the consideration for the provided information, and acquiring the consideration information generated based on the transaction feature information from the multiple candidate terminals, and multiple candidates. Among them, to acquire the provider information indicating the provider selected based on the consideration information, and to send the transaction information of the target transaction to the provider's terminal based on the provider information, and to send the transaction information. , Obtains deposit information indicating the deposit of the amount corresponding to the transaction amount of the target transaction from the other value associated with the provider to the payer's electronic value, which is another value different from the electronic value. To update the payer's electronic value balance information and to execute.

The program according to another aspect of the present invention is based on the transaction information of the target transaction, which is at least one transaction by the payer of the transaction among the transaction information indicating the transaction using the electronic value on the computer. A feature information acquisition process for acquiring transaction feature information indicating transaction characteristics from a terminal, a consideration information generation process for generating consideration information indicating consideration for provided information based on transaction feature information, and a consideration information transmission to the terminal. The consideration information transmission process is executed.

The program according to another aspect of the present invention is a transaction of a target transaction, which is at least one transaction by the payer of the transaction among transaction information indicating a transaction using electronic value on a computer. Among the multiple candidates to which the transaction information of the target transaction is provided, the consideration information acquisition process for acquiring the consideration information indicating the consideration for the provided information based on the transaction characteristic information showing the characteristics of the target transaction based on the information from the terminal. , The provider information acquisition process for acquiring the provider information indicating the provider selected based on the consideration information, and the provider information transmission process for transmitting the provider information to the terminal are executed.

The electronic value management system according to another aspect of the present invention includes an electronic value management device, a plurality of destination terminals, and a payer terminal, and the electronic value management device uses electronic value. A transaction storage unit that stores transaction information indicating a transaction, a transaction information acquisition unit that acquires transaction information of a target transaction that is at least one transaction by the payer of the transaction, and transaction feature information that indicates the characteristics of the target transaction. To a feature information generator that generates transaction feature information based on the transaction information of the target transaction, and a feature that transmits the transaction feature information to a plurality of destination terminals that are multiple candidates for the provision destination of the provision information based on the transaction information of the target transaction. The information transmission unit, the first consideration information acquisition unit that shows the consideration for the provided information and acquires the consideration information generated based on the transaction feature information from a plurality of destination terminals, and the consideration information among a plurality of candidates. The first provider information acquisition unit that acquires the provider information indicating the provider selected based on the provider, the first provider information transmission unit that transmits the provider information to the provider terminal based on the provider information, and electronically. Obtains deposit information indicating the deposit of the amount corresponding to the transaction amount of the target transaction from the other value other than the value and associated with the destination to the payer's electronic value, and the payer. It is equipped with a balance update unit that updates the balance information of the electronic value of.

The plurality of destination terminals include a feature information acquisition unit that acquires transaction feature information from an electronic value management device based on the transaction information of the target transaction, and a consideration information generation unit that generates consideration information based on the transaction feature information. The payer terminal is provided with a consideration information transmission unit that transmits the consideration information to the electronic value management device, and the payer terminal obtains the consideration information from the electronic value management device, the second consideration information acquisition unit, and the provider information. Provided is an electronic value management system including a second provider information acquisition unit to be acquired and a second provider information transmission unit to transmit the provider information to an electronic value management device.

According to the present invention, an electronic value management device, a program that enables a payer to obtain favorable consideration for the use of electronic value while ensuring the convenience of the payer using electronic value. And electronic value management methods can be provided.

It is a schematic diagram of the payment system which has the electronic value management apparatus which concerns on 1st Embodiment. It is a block diagram of the electronic value management apparatus which concerns on 1st Embodiment. This is an example of transaction information according to the first embodiment. This is an example of payer information according to the first embodiment. This is an example of recipient information according to the first embodiment. This is an example of transaction information of the target transaction according to the first embodiment. This is an example of transaction feature information according to the first embodiment. This is an example of consideration information according to the first embodiment. This is an example of consideration information according to the first embodiment. This is an example of the provided information according to the first embodiment. It is a block diagram of the payer terminal which concerns on 1st Embodiment. It is a block diagram of the provider server which concerns on 1st Embodiment. It is a figure explaining the process in the electronic value management system which concerns on 1st Embodiment. It is a block diagram of the electronic value management apparatus which concerns on 2nd Embodiment. This is an example of consideration information according to the second embodiment. It is a block diagram of the electronic value management apparatus which concerns on 3rd Embodiment. It is a block diagram of the payer terminal which concerns on 4th Embodiment. This is an example of payer information according to the fourth embodiment. This is an example of consideration information according to the fourth embodiment.

Preferred embodiments of the present invention will be described with reference to the accompanying drawings. In each figure, those with the same reference numerals have the same or similar configurations.

FIG. 1 shows a schematic diagram of the configuration of the electronic value management system 10 according to the present embodiment. The electronic value management system 10 includes an electronic value management device 101, a payer terminal 102, recipient terminals 103a, 103b, 103c, and destination servers 104a, 104b, 104c. When there is no particular need to distinguish, the recipient terminals 103a, 103b and 103c are referred to as recipient terminals 103, and the destination servers 104a, 104b, 104c are referred to as provider servers 104. The electronic value management device 101, the payer terminal 102, the recipient terminal 103, and the destination server 104 are communicably connected to each other through the network N.

The electronic value management device 101 is an information processing device such as a server configured to manage transactions by electronic value between a payer terminal 102 and a recipient terminal 103 by executing a predetermined program. be. In this embodiment, the case where electronic money is used as an example of electronic value is shown, but the electronic value is not limited to electronic money, and the value can be expressed electronically and can be used for transactions or settlements. Anything is fine. For example, the electronic value may be a cryptocurrency or points.

Here, the electronic money managed by the electronic value management device 101 can be used to pay the usage fee for transportation means such as trains, buses, taxis, ride shares, or rental cycles, or to pay for the sale of goods such as beverages. It should be possible.

The electronic money managed by the electronic value management device 101 is used, for example, when a payer having a payer terminal 102 uses a service as a so-called mobility (MaaS: Mobility as a Service).

The payer terminal 102 is an information processing device capable of exchanging electronic money with the recipient terminal 103 via the electronic value management device 101 by executing a predetermined program. Further, the payer terminal 102 can make a payment (charge) to the balance of electronic money associated with the payer in the electronic value management device 101 by executing a predetermined program. Although only one payer terminal 102 is shown in FIG. 1, when there are a plurality of payers, a plurality of payer terminals 102 may be used. Further, a payer may have a plurality of payer terminals 102 and manage his / her own electronic money.

The recipient terminal 103 is an information processing device that processes payments from payers by the electronic value management device 101 and the payer terminal 102 by executing a predetermined program. For example, the recipient terminal 103 is provided at a ticket gate or a boarding gate in the case of a train or a bus, or at a cash register or the like in the case of a product sales facility.

By executing a predetermined program, the provider server 104 generates consideration information indicating the consideration for the information related to the transaction based on the transaction characteristic information, and the electronic value management device 101 relates to the transaction based on the consideration information. It is an information processing device that acquires information. The consideration is provided, for example, as a consideration for acquiring information on the transaction and making it possible to grasp the purchase trend of the payer.

In the electronic value management system 10, the payer conducts a transaction with one type of electronic money managed by the electronic value management device 101. The electronic value management device 101 acquires the consideration for the information related to the transaction stored in the electronic value management device 101 from the providing destination server 104. The deposit of electronic money equivalent to the transaction amount is made by the electronic value of the destination selected based on the consideration. Therefore, the payer can make his / her own payment by using only the electronic money managed by the electronic value management device 101, and then make the payment. The electronic value management system 10 is a system that enables a payer to select a consideration that is favorable for the payer from a plurality of consideration by providing information on his / her own transaction.

FIG. 2 shows a block diagram of the electronic value management device 101. The electronic value management device 101 includes a communication unit 201, a transaction storage unit 202, a payer information storage unit 203, a recipient information storage unit 204, a transaction information acquisition unit 205, a feature information generation unit 206, a feature information transmission unit 207, and a consideration. It has an information acquisition unit 208, a consideration information transmission unit 209, a provision destination information acquisition unit 210, a provision information transmission unit 211, and a balance update unit 212.

Each part of the electronic value management device 101 is realized, for example, by using a storage area such as a memory in the electronic value management device 101 or by executing a program stored in the storage area by a processor. Can be done. The same applies to the payer terminal 102 and the recipient terminal 103, which will be described later.

The communication unit 201 controls communication between the electronic value management device 101 and the outside through the network N.

The transaction storage unit 202 stores transaction information indicating a transaction using an electronic value. FIG. 3 shows an example of transaction information. For transaction information, the items of "transaction ID", "payer ID", "recipient ID", "transaction amount", "transaction date and time", "whether or not transportation means are used", "movement route" and "transaction place" are included. Have.

The "transaction ID" is identification information for managing a transaction with electronic money managed by the electronic value management device 101. The "payer ID" and the "recipient ID" are identification information of the payer and the recipient in each transaction, respectively. The "transaction amount" is the amount of electronic money traded in the transaction. The "transaction date and time" is the time when the transaction was made. "Presence / absence of use of transportation means" is information indicating whether or not the transaction uses transportation means. "Movement route" is information on the movement route in the movement using the movement means. The "transaction place" is information indicating the place where the transaction was made when the product sales were used instead of the means of transportation. It should be noted that these items are examples, and are not limited to the items shown in FIG. 3, as long as other appropriate items can be provided to manage the transaction.

For example, in FIG. 3, the transaction with the transaction ID "T0001" is recorded as a payment made by the payer with the payer ID "PR001" to the recipient with the recipient ID "PE001". The transaction amount is "350 yen", and the transaction date and time is recorded as "2020/7/7 10:40:51". In this transaction, "route A" is recorded in the travel route because the means of transportation was used. It should be noted that this movement is a series of movements performed in connection with the transaction related to the movement indicated by the transaction ID "T0002".

Further, in the transaction of the transaction ID "T0003", the transaction related to the purchase of the product sale at the transaction place "place X" is recorded by the same payer as the transaction IDs "T0001" and "T0003".

Information about a payer who makes a payment using electronic money is recorded in the payer information storage unit 203. The payer information is information including information indicating the attributes of the payer. An example of payer information is shown in FIG.

The payer information has items of "payer ID", "age", "gender", "occupation" and "residential area". The "payer ID" is identification information for identifying the payer. "Age", "gender", "occupation" and "residential area" are information indicating the attributes of the payer. Information indicating the attributes of the payer is acquired from the payer and stored in the payer information storage unit 203, for example, when the use of electronic money is registered in advance. There may be some items that are not answered. Further, the item of payer information is not limited to the example of FIG. 4, and other appropriate items may be provided for the payer.

For example, in FIG. 4, it is recorded that the payer of the payer ID “PR001” has an age of “35 years old”, a gender of “male”, an occupation of “engineer”, and a residential area of “XX area”. .. The payer information may be shown to the payer with options and an answer may be obtained from the options, or may be freely input.

Information about the recipient of the transaction using electronic money is recorded in the recipient information storage unit 204. Recipient information includes information indicating the services provided by the recipient and the products provided by the recipient. Recipient information has items of "recipient ID", "recipient name", and "provided service / offer". The "recipient ID" is identification information for identifying the recipient. As the "recipient name", for example, the company name of the company that provides the means of transportation is recorded. "Provided service / offer" is information indicating a service provided by a recipient in a transaction or a product provided. For example, the recipient "Recipient A" identified by the recipient ID "PE001" may be recorded to provide transportation by bus, and the recipient with the recipient ID "PE003" may provide a beverage. Recorded. The item of recipient information is not limited to the example of FIG. 4, and other appropriate items may be provided for the recipient.

Here, an example of a transaction performed using the electronic value by the electronic value management device 101, the payer terminal 102, and the recipient terminal 103 will be described. Suppose a payer travels by two types of transportation, using a bus and then a train, and then purchases goods at a store. The payer pays for each transaction with electronic money managed by the electronic value management device 101. It is assumed that the payer has charged a certain amount of money as the balance of electronic money managed by the electronic value management device 101.

It is assumed that the payer terminal 102 conducts a transaction with the recipient terminal 103 using RFID (Radio Frequency Identification) technology, for example, near field communication (NFC) technology.

When the payer first uses the bus, the payer holds the payer terminal 102 over the payee terminal 103a provided at the boarding gate of the bus. Information necessary for a transaction is exchanged between the payer terminal 102 and the recipient terminal 103a. The payer terminal 102 asks the electronic value management device 101 whether the payment may be executed. The electronic value management device 101 confirms whether the payer terminal 102 is a device delivered as lost or a device involved in fraud. That is, the electronic value management device 101 performs a simple validity check.

If the electronic value management device 101 permits the payer terminal 102 to make a payment, the payer terminal 102 provides information indicating the transfer of electronic value from the payer terminal 102 to the payee terminal 103a. It is transmitted to the electronic value management device 101. The electronic value management device 101 updates the balances of the payer and the recipient based on the information indicating the transfer of the electronic value. When the electronic value management device 101 updates the balance, the settlement between the payer and the trader is completed. Information indicating the transfer of electronic value may be transmitted from the recipient terminal 103a to the electronic value management device 101.

At this time, the information corresponding to each item of the transaction information is transmitted from the payer terminal 102 or the recipient terminal 103a to the electronic value management device 101, and the transaction information is recorded.

Information about a travel route is commonly associated with a plurality of transactions as a series of travels when the travel is guided by an application for providing a MaaS service or an application for route guidance. For example, information about the travel route is stored in the payer terminal 102 and is provided to the electronic value management device 101 from the payer terminal 102 or through the recipient terminal 103a. Alternatively, the electronic value management device 101 may cooperate with an application for providing a MaaS service and associate route information with the movement of the target. Alternatively, the movement route may be determined based on the position information of the payer terminal 102 and the recipient terminal 103a.

Subsequently, when the payer uses the train as the second means of transportation, the payer passes through the ticket gate of the departure station where the payee terminal 103b is provided and the ticket gate of the arrival station where the payee terminal 103c is provided. .. When passing through the ticket gates of either the departure station or the arrival station, the electronic value management device 101 only simply confirms the effectiveness, and the user has a case where the balance is less than the minimum required balance. But you can go through the ticket gate.

In the case of a train, the electronic value management device 101 calculates a charge based on information indicating a departure station and an arrival station transmitted from the payer terminal 102, and based on the charge, the balance of the payer and the recipient. Update the sales balance of a railway company. Similarly, the electronic value management device 101 records information regarding a transaction between the payer terminal 102 and the recipient terminal 103b.

Finally, if the payer purchases a product at a certain store, for example, the payer terminal 102 communicates with a recipient terminal (not shown) provided in the store to make a payment. At this time, the payer terminal 102 or the recipient terminal transmits information corresponding to each item of the transaction information to the electronic value management device 101. In this way, the transaction history is accumulated in the transaction storage unit 202.

The transaction information acquisition unit 205 acquires the transaction information of the target transaction, which is at least one transaction by the payer of the transaction, from the transaction storage unit 202 in which the transaction information indicating the transaction using the electronic value is stored.

The transaction information acquisition unit 205 generates transaction information about a certain payer based on a request from the payer terminal 102. Here, the acquisition of transaction information about the payer of the payer ID “PR001” will be described as an example.

When the transaction information acquisition unit 205 acquires a request including the payer ID "PR001" from the payer terminal 102, the transaction information acquisition unit 205 refers to the transaction storage unit 202 and provides transaction information by the payer with the payer ID "PR001" as target information. To get. The acquisition range of transaction information is, for example, a transaction in a certain day. FIG. 6 shows transaction information of the target transaction acquired by the transaction information acquisition unit 205 based on the transaction information of FIG. The acquisition range of transaction information may be, for example, a transaction selected by the payer from each transaction.

The transaction information acquisition unit 205 may acquire transaction information about a certain payer by referring to the transaction storage unit 202 at a predetermined timing. The timing is, for example, a predetermined time for each day.

The feature information generation unit 206 generates transaction feature information indicating the features of the target transaction based on the transaction information of the target transaction. FIG. 7 shows an example of transaction feature information.

The transaction feature information of FIG. 7 has each item of "feature ID", "transaction date", "transaction ID", and "feature". The "feature ID" is information for identifying the generated transaction feature information. The "transaction date" is the date on which the transaction feature information was generated. The "transaction ID" is information for identifying a transaction included in the transaction feature information.

"Characteristics" are "transaction date and time", "whether or not transportation means are used", "movement route", "transaction place", "age", "gender", "occupation", "residential area" and "provided services / offerings". Has a sub-item. The feature information generation unit 206 generates the content of each feature based on the transaction information of the target transaction. The feature information generation unit 206 abstracts the feature information of the target transaction, the payer information, and the recipient information, and generates the transaction feature information. The processing by the feature information generation unit 206 will be described later.

The feature information transmission unit 207 transmits the transaction feature information to a plurality of candidate destination servers 104 to which the provision information based on the transaction information of the target transaction is provided. It is assumed that the information that identifies each payer is linked in advance between the provider server 104 and the electronic value management device 101.

The consideration information acquisition unit 208 acquires the consideration information generated by the provision destination server 104, which will be described later, from the provision destination server 104.

The consideration information transmission unit 209 transmits the acquired consideration information to the payer terminal 102. If the destination of the consideration information is a terminal operated by the payer, it does not necessarily have to be the same as the terminal used for payment.

The consideration information will be described with reference to FIGS. 8 and 9. FIG. 8 shows the consideration information generated by the provider server 104a based on the consideration information of FIG. 7. The consideration information has items of "feature ID", "provider ID" and "compensation". The "feature ID" is information that identifies transaction feature information. The "provider ID" is information that identifies the provider server 104 that generated the consideration. The "provider ID" is "RE001", "RE002", and "RE003" for each of the provider servers 104a, 104b, and 104c. The "compensation" is the consideration generated by the provider server 104 for the transaction feature information. FIG. 8 shows that the provider server 104a returns "1% of the total transaction amount" as consideration for the transaction feature information of FIG. 7.

Each consideration information generated by the provider server 104 is acquired by the consideration information acquisition unit 208. The consideration information transmission unit 209 collects the acquired consideration information and transmits the consideration information shown in FIG. 9 to the payer terminal 102.

The provider information acquisition unit 210 acquires the provider information indicating the provider selected based on the consideration information from the payer terminal 102. The provider information is acquired as, for example, a "provider ID".

The provision information transmission unit 211 transmits the provision information based on the transaction information of the target transaction to the provision destination server 104 selected as the provision destination. FIG. 10 shows an example of the provided information.

The provided information includes each item of payer information, each item of transaction information of the target transaction, and each item of recipient information. Each content of the provided information is not the content abstracted by the transaction feature information, but the information showing the content of the transaction in detail. The provided information transmitting unit 211 may transmit information that abstracts the transaction information as provided information, if necessary.

The balance update unit 212 is a value other than the electronic money managed by the electronic value management device 101, and is a target transaction from the other value associated with the provider to the payer's electronic money. Acquires deposit information indicating the deposit of the amount corresponding to the transaction amount, and updates the balance information of the payer's electronic money.

For example, it is assumed that the provided information of FIG. 10 is provided to the provided destination server 104a. In this case, the information of depositing the total transaction amount of 5900 yen to the electronic money managed by the electronic value management device 101 by the other electronic money associated with the provider server 104a is electronically used as the deposit information. It is transmitted to the value management device 101. The electronic value management device 101 updates the balance of the payer based on the payment information, and the payment is completed. The deposit to the electronic money managed by the electronic value management device 101 may be made by an electronic value other than the electronic money, and may be cashed like an account transfer or a credit card deposit. It may be done so as to be tied.

FIG. 11 shows a block diagram of the payer terminal 102. The payer terminal 102 has a communication unit 1101, a storage unit 1102, a consideration information acquisition unit 1103, a provider information acquisition unit 1104, a provider information transmission unit 1105, a payer information acquisition unit 1106, and a payer information transmission unit 1107.

The communication unit 1101 controls communication between the payer terminal 102 and the outside through the network N. The storage unit 1102 stores various information used for processing on the payer terminal 102.

The consideration information acquisition unit 1103 acquires consideration information from the electronic value management device 101. The provider information acquisition unit 1104 displays the consideration information on the screen (not shown) of the payer terminal 102, for example, based on the consideration information, and indicates the provider information selected by the payer as the provider of the offer information. To get. The provider information transmission unit 1105 transmits the acquired provider information to the electronic value management device 101.

The payer information acquisition unit 1106 acquires payer information from the payer, for example, through a user interface displayed on the screen of the payer terminal 102. The payer information transmission unit 1107 transmits the payer information to the electronic value management device 101.

FIG. 12 shows a block diagram of the destination server 104. The provider server 104 includes a communication unit 1201, a storage unit 1202, a feature information acquisition unit 1203, a consideration information generation unit 1204, a consideration information transmission unit 1205, a provision information acquisition unit 1206, a payment information generation unit 1207, and a payment information transmission unit 1208. Has.

The communication unit 1201 controls communication between the provider server 104 and the outside through the network N. The storage unit 1202 stores various information used for processing in the providing destination server 104.

The feature information acquisition unit 1203 acquires transaction feature information from the electronic value management device 101. The consideration information generation unit 1204 generates consideration information based on the acquired transaction feature information. The consideration information transmission unit 1205 transmits the consideration information to the electronic value management device 101.

When the provision information acquisition unit 1206 is selected as the provision destination, the provision information is acquired from the electronic value management device 101. The deposit information generation unit 1207 generates deposit information indicating the deposit of the amount corresponding to the transaction amount of the target transaction based on the provided information. The deposit information transmission unit 1208 transmits the deposit information to the electronic value management device 101.

The processing in the electronic value management system 10 will be described with reference to FIG. Here, it is assumed that the transaction by the payer terminal 102 is already stored in the transaction storage unit 202. Further, the process related to the provider server 104c is omitted.

In step S1301, a settlement request is transmitted from the payer terminal 102 to the electronic value management device 101.

In step S1302, the transaction information acquisition unit 205 acquires the transaction information of the target transaction. In step S1303, the feature information generation unit 206 refers to the payer information storage unit 203 to acquire payer information. In step S1304, the feature information generation unit 206 refers to the recipient information storage unit 204 to acquire recipient information.

In step S1305, the feature information generation unit 206 generates transaction feature information based on the transaction information of the target transaction. Here, it is assumed that the transaction feature information of FIG. 7 is generated.

In each of steps S1306 and S1307, the feature information transmission unit 207 transmits transaction feature information to each of the provider servers 104a and 104b. In steps S1308 and S1309, the provider servers 104a and 104b generate consideration information, respectively. The consideration information in each provider server 104 is generated based on, for example, a rule for setting the consideration stored in the storage unit 1202.

In each of steps S1310 and S1311, the provider server 104a and the provider server 104b transmit consideration information to the electronic value management device 101, respectively.

In step S1312, the provider information acquisition unit 210 collects the acquired consideration information and transmits it to the payer terminal 102. For example, in FIG. 9, the provider server 104a generates the consideration identified by the provider ID “RE001”, and the provider server 104b generates the consideration identified by the provider ID “RE002”.

In step S1313, the provider information acquisition unit 1104 displays the consideration information to the payer, for example, by displaying it on the screen of the payer terminal 102. In step S1314, the provider information acquisition unit 1104 acquires the provider information from the payer. When the payer selects the consideration identified by the provider ID "RE002" from the consideration information exemplified in FIG. 9, the provider information acquisition unit 1104 uses the selected identification information as the provider information. In step S1315, the provider information transmission unit 1105 transmits the provider information to the electronic value management device 101.

In step S1316, the provision information transmission unit 211 generates the provision information based on the transaction information of the target transaction. In step S1317, the provision information transmission unit 211 transmits the provision information to the provision destination server 104 based on the provision destination information acquired by the provision destination information acquisition unit 210. Here, the case where the provider server 104b is selected as the provider is shown.

In step S1318, the deposit information generation unit 1207 generates deposit information for the transaction amount of the target transaction based on the provided information. At this time, if the information for identifying each payer is linked in advance between the provision destination server 104 and the electronic value management device 101, the provision destination server 104b so as to associate the consideration with the payer. You may do it.

In step S1319, the deposit information transmission unit 1208 transmits the deposit information to the electronic value management device 101. In step S1320, the balance update unit 212 updates the balance on the assumption that the transaction amount of the target transaction has been deposited in the electronic money based on the deposit information.

The second embodiment will be described. In the second embodiment, the description of the matters common to the first embodiment will be omitted, and only the differences will be described. FIG. 14 shows a block diagram of the electronic value management device 101A according to the second embodiment. The second embodiment differs from the first embodiment in that the device connected to the electronic value management system 10 is not the electronic value management device 101 but the electronic value management device 101A.

The electronic value management device 101A further includes an order information generation unit 1401 in addition to each unit of the electronic value management device 101. The order information generation unit 1401 generates order information in which the consideration information is ordered based on a predetermined rule provided for the consideration. The predetermined rule is stored in advance in the electronic value management device 101A, such as by being stored in the sequence information generation unit 1401. For example, as a predetermined rule, there is a rule in which consideration information having a large return amount in consideration is given a high rank. In the electronic value management device 101A, the consideration information transmission unit 209 transmits the consideration information associated with the order information to the payer terminal 102. For example, the consideration information shown in FIG. 15 is transmitted to the payer terminal 102 as the consideration information in which the order information is associated with the consideration information in FIG. 7 in descending order of the return amount.

The payer terminal 102 displays information including the order and acquires the provider information from the payer. This makes it easier for the payer to compare the consideration, which can improve the convenience of the payer.

Further, the consideration information transmission unit 209 may transmit the consideration information satisfying a predetermined order to the payer terminal 102. For example, in FIG. 15, it is possible to prevent transmission of consideration information in the order of "3". As a result, the options for the payer to select can be limited in advance, so that the payer can easily select the consideration and the convenience of the payer can be improved.

The third embodiment will be described. FIG. 16 shows a block diagram of the electronic value management device 101B according to the third embodiment. The third embodiment differs from the first embodiment in that the device connected to the electronic value management system 10 is not the electronic value management device 101 but the electronic value management device 101B.

The electronic value management device 101B further includes a rule acquisition unit 1601, a rule storage unit 1602, and a provider information generation unit 1603, in addition to each unit of the electronic value management device 101. The rule acquisition unit 1601 acquires a predetermined rule from the payer terminal 102. The predetermined rule here is, for example, a condition for a provider selected based on consideration information. More specifically, for example, the condition is that the candidate of the provider who has presented the consideration with the highest return amount of the consideration information is set as the provider. The rule acquired by the rule acquisition unit 1601 is stored in the rule storage unit 1602.

The provider information generation unit 1603 stores the provider information based on the consideration information obtained by the consideration information transmission unit 209 transmitting the transaction feature information to the provider server 104 and the rules stored in the rule storage unit 1602. Generate by yourself. That is, the provider can be selected by the electronic value management device 101B instead of being selected by the payer. As a result, the payer can have the electronic value management device 101B select the provider according to the conditions set by the payer, which improves the convenience of the payer.

The fourth embodiment will be described. FIG. 17 shows a block diagram of the payer terminal 102A according to the second embodiment. The second embodiment is different from the first embodiment in that the terminal connected to the electronic value management system 10 is not the payer terminal 102 but the payer terminal 102A.

In addition to each part of the payer terminal 102, the payer terminal 102A obtains the permission information acquisition unit 1701 for acquiring the permission information indicating the payer information permitted to be provided to the provider, and the permission information. Further, a permission information transmission unit 1702 for transmitting to the electronic value management device 101 is provided.

For each item of payer information, the permission information acquisition unit 1701 acquires information indicating whether or not to provide the information of the item to the provider and transmits it to the electronic value management device 101. In the electronic value management device 101, as shown in FIG. 15, each item of payer information is stored in the payer information storage unit 203 in association with the presence or absence of permission.

In the fourth embodiment, the feature information generation unit 206 generates transaction feature information based on the payer information permitted to be transmitted to the provider. Further, the provision information transmission unit 211 does not include the permitted item in the provision information, and transmits the provision information to the provision destination. For example, in FIG. 18, since the payer with the payer ID “PR001” does not allow the item of occupation to be provided, the transaction characteristic information does not include the occupation of the payer. At this time, the feature information generation unit 206 generates transaction feature information based on other permitted items. In other words, in the example of FIG. 7, transaction feature information is generated such that the line of occupation is not included.

Since the above-mentioned transaction feature information includes items for which provision is restricted, the consideration information generated by the provider server 104 may fluctuate. For example, in the feature ID “C0001” of FIG. 7, the consideration information as shown in FIG. 19 is acquired from the provider server 104 for the transaction feature information of the feature ID “C0001a” that does not include the occupation item. To. In this case, since the provided information does not include information about the payer's occupation, the value of the information is underestimated, and as a result, a lower consideration than in the case of FIG. 7 is presented.

As described above, in the fourth embodiment, it is possible to change the consideration according to the item of the payer information that is permitted to be provided. As a result, the payer who provides the information can balance his / her own information with the consideration for the provided information, and the convenience of the payer is improved.

Each embodiment has been described above. The electronic value management device 101 according to the first embodiment is a transaction storage unit 202 in which transaction information indicating a transaction using an electronic value is stored, and a target transaction which is at least one transaction by a payer of the transaction. The transaction information acquisition unit 205 that acquires the transaction information of the target transaction, the feature information generation unit 206 that generates the transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction, and the transaction characteristic information of the target transaction. The feature information transmission unit 207 that transmits to the provider server 104 of a plurality of candidates that are the destinations of the provision information based on the information, and the consideration information generated based on the transaction feature information, which indicates the consideration for the provision information, are present. The consideration information acquisition unit 208 acquired from the candidate provider server 104, the provider information acquisition unit 210 that acquires the provider information indicating the provider selected based on the consideration information among the plurality of candidates, and the provider. The provision information transmission unit 211 that transmits the provision information based on the transaction information of the target transaction to the terminal of the provision destination based on the information, and other values different from the electronic value and associated with the provision destination. It is provided with a balance update unit 212 that acquires deposit information indicating payment of an amount corresponding to the transaction amount of the target transaction to the electronic value of the payer and updates the balance information of the electronic value of the payer.

According to this, transaction feature information based on a certain transaction stored in the transaction storage unit 202 is generated. The generated transaction feature information is transmitted to a plurality of candidate terminals to which the provided information based on the transaction information of the target transaction is provided. The consideration presented by each candidate for receiving the provision of the provided information is acquired by the consideration information acquisition unit 208. The consideration here is not the use of the electronic value itself, but the consideration set for the transaction information of the target transaction, such as what kind of transaction the electronic value was used for. Since the transaction information of the target transaction is information that can be useful for analysis of the consumption trend of the payer, for example, the consideration can be set as more valuable than using the electronic value.

The provider is selected according to these consideration. The processing by the balance update unit 212 allows the payer to make a deposit for a certain electronic value in consideration of the provided information regarding his / her transaction. Since it is possible to use a certain electronic value while receiving compensation from various providers, payment is made for the use of the electronic value while ensuring the convenience of the payer who uses the electronic value. It is possible for a person to obtain favorable compensation.

The electronic value management device 101 further includes a consideration information transmission unit 209 for transmitting consideration information from a plurality of candidate provision destination servers 104 to the payer terminal 102 of the payer, and the provision destination information acquisition unit 210 provides consideration. The provider information selected based on the information is acquired from the payer terminal 102. As a result, the payer can select the delivery destination based on the consideration. Therefore, the payer can receive a better consideration for himself / herself.

The electronic value management device 101A according to the second embodiment generates order information that generates order information in which consideration information from a plurality of candidate provider servers 104 is ordered based on a predetermined rule provided for the consideration. A unit 1401 is further provided, and the consideration information transmission unit 209 transmits the consideration information associated with the order information to the payer terminal 102. As a result, the payer terminal 102 can display the information including the order and acquire the provider information from the payer. Therefore, the convenience of the payer can be improved.

In the electronic value management device 101A, the consideration information transmission unit 209 may transmit the consideration information satisfying a predetermined order to the payer terminal based on the order information. As a result, the options for the payer to select can be limited in advance, and the convenience of the payer is enhanced.

In the electronic value management device 101B according to the third embodiment, a predetermined rule is acquired from the rule storage unit 1602 that stores a predetermined rule provided for consideration, and the predetermined rule and a plurality of candidate destination servers are provided. Further, the provision destination information generation unit 1603, which generates the provision destination information based on the consideration information from 104, is further provided, and the provision information transmission unit makes a target transaction to the provision destination terminal based on the generated provision destination information. Send transaction information.
As a result, the payer can have the electronic value management device 101B select the provider instead of the payer himself / herself according to a certain condition, so that the convenience of the payer is improved.

The electronic value management device 101B further includes a rule acquisition unit 1601 that acquires a predetermined rule from the payer terminal 102 of the payer and stores it in the rule storage unit 1602. This allows the payer to set the rules, which improves the convenience of the payer.

In the electronic value management devices 101, 101A, 101B, the consideration information acquisition unit 208 acquires the consideration information including the return information indicating the amount to be returned to the payer among the amounts deposited for the transaction amount. .. As a result, it is possible to align the criteria for comparison of the consideration generated by each provider, which makes it easier to select the payer and improves convenience.

In the electronic value management devices 101, 101A, 101B, the feature information generation unit is based on the payer information acquired from the payer information storage unit 203 in which the payer information, which is information indicating the attributes of the payer, is stored. , The transaction feature information is generated, and the provision information transmission unit 211 transmits the provision information based on the payer information and the transaction information of the target transaction to the provision destination server 104 based on the provision destination information. This can increase the value of the information provided and ensure that the payer is offered better consideration.

In the electronic value management device 101 according to the fourth embodiment, the payer information storage unit 203 contains the permission information indicating the payer information permitted to be provided to the provider in the payer information. Associated and stored, the feature information generator 206 generates transaction feature information based on the authorized payer information. As a result, the payer who provides the information can balance his / her own information with the consideration for the provided information, and the convenience of the payer is improved.

In the electronic value management devices 101, 101A, 101B, the feature information generation unit 206 acquires the recipient information from the recipient information storage unit 204 in which the recipient information, which is information indicating the attributes of the recipient of the transaction, is stored. , The transaction feature information is generated based on the recipient information, and the provision information transmission unit 211 transfers the provision information based on the recipient information and the transaction information of the target transaction to the provision destination server 104 based on the provision destination information. Send. This can increase the value of the information provided and ensure that the payer is offered better consideration.

In the electronic value management devices 101, 101A, 101B, the transaction storage unit 202 contains information on the transaction location in the transaction information and stores the information, and the feature information generation unit 206 stores the transaction features based on the information on the location. Generate information. This can increase the value of the information provided and ensure that the payer is offered better consideration.

In the electronic value management devices 101, 101A, 101B, the transaction storage unit stores information about the movement route of the movement using the transportation means in the transaction information for the transaction in which the payer uses the transportation means. , The feature information generation unit 206 generates transaction feature information based on the information about the movement route. This can increase the value of the information provided and ensure that the payer is offered better consideration.

The provider server 104 has a feature information acquisition unit 1203 that acquires transaction feature information from the electronic value management device 101 based on the transaction information of the target transaction, and a consideration information generation unit that generates consideration information based on the transaction feature information. It includes 1204 and a consideration information transmission unit 1205 that transmits consideration information to the electronic value management device 101. As a result, the electronic value management device 101 can acquire the consideration information.

The payer terminal 102 has a consideration information acquisition unit 1103 that acquires consideration information from the electronic value management device 101, a provider information acquisition unit 1104 that acquires provider information, and an electronic value management device 101 that acquires provider information. The provider information transmission unit 1105 to be transmitted to is provided. As a result, the payer can transmit the provider information based on the consideration information to the electronic value management device 101.

The embodiments described above are for facilitating the understanding of the present invention, and are not for limiting the interpretation of the present invention. Each element provided in the embodiment and its conditions and the like are not limited to those exemplified, and can be appropriately changed. Further, it is possible to partially replace or combine the configurations shown in different embodiments.

10 ... Electronic value management system, 101, 101A, 101B ... Electronic value management device,
102, 102A ... payer terminal, 103a, 103b, 103c ... recipient terminal, 104a, 104b, 104c ... provider server, 202 ... transaction storage unit, 203 ... payer information storage unit, 204 ... recipient information storage unit, 205 ... transaction information acquisition unit, 206 ... feature information generation unit, 207 ... feature information transmission unit, 208 ... consideration information acquisition unit, 209 ... consideration information transmission unit, 210 ... provider information acquisition unit, 211 ... provision information transmission unit, 212 ... Balance update unit, 1401 ... Order information generation unit, 1601 ... Rule acquisition unit, 1602 ... Rule storage unit, 1603 ... Provided destination information generation unit

Claims (20)

On the computer
A transaction information acquisition process for acquiring the transaction information of the target transaction, which is the transaction at least once by the payer of the transaction, from the transaction storage unit in which the transaction information indicating the transaction using the electronic value is stored.
A feature information generation process for generating transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction, and
A feature information transmission process for transmitting the transaction feature information to a plurality of candidate terminals to which the provided information based on the transaction information of the target transaction is provided, and
The consideration information acquisition process of showing the consideration for the provided information and acquiring the consideration information generated based on the transaction feature information from the plurality of candidate terminals.
A provider information acquisition process for acquiring provider information indicating the provider selected based on the consideration information among the plurality of candidates, and
Providing information transmission processing for transmitting the provided information to the terminal of the providing destination based on the providing destination information, and
Indicates a deposit of an amount corresponding to the transaction amount of the subject transaction from the other value associated with the provider to the electronic value of the payer, which is another value different from the electronic value. A program for acquiring payment information and executing a balance update process for updating the balance information of the electronic value of the payer. The program according to claim 1.
To the computer
Further, the consideration information transmission process of transmitting the consideration information from the plurality of candidate terminals to the payer terminal of the payer is further executed.
The provider information acquisition process is
A program for acquiring the provider information selected based on the consideration information from the payer terminal. The program according to claim 2.
To the computer
Further, an order information generation process for generating order information in which the consideration information from the plurality of candidate terminals is ordered based on a predetermined rule provided for the consideration is further executed.
The consideration information transmission process is
A program for transmitting the consideration information associated with the order information to the payer terminal. The program according to claim 3.
The consideration information transmission process is
A program for transmitting the consideration information satisfying a predetermined order to the payer terminal based on the order information. The program according to claim 1.
To the computer
The predetermined rule is acquired from the rule storage unit in which the predetermined rule provided for the consideration is stored, and the provision destination is based on the predetermined rule and the consideration information from the plurality of candidate terminals. Further execute the destination information generation process to generate information,
The provided information transmission process is a program that transmits the provided information to the provided destination terminal based on the generated provided destination information. The program according to claim 5.
A program for causing the computer to further execute a rule acquisition process of acquiring the predetermined rule from the payer terminal of the payer and storing it in the rule storage unit. The program according to any one of claims 1 to 5.
The consideration information acquisition process is a program for acquiring the consideration information including the return information indicating the amount to be returned to the payer among the amounts deposited for the transaction amount. The program according to any one of claims 1 to 7.
The feature information generation process generates the transaction feature information based on the payer information acquired from the payer information storage unit in which the payer information which is the information indicating the attribute of the payer is stored.
The provision information transmission processing is a program that transmits the provision information based on the payer information and the transaction information of the target transaction to the terminal of the provision destination based on the provision destination information. The program according to claim 8.
In the payer information storage unit, permission information indicating the payer information that is permitted to be provided to the provider is stored in association with the payer information.
The feature information generation process is a program that generates the transaction feature information based on the permitted payer information. The program according to any one of claims 1 to 9.
The feature information generation process acquires the recipient information from the recipient information storage unit in which the recipient information, which is information indicating the attributes of the recipient of the transaction, is stored, and the transaction is based on the recipient information. Generate feature information,
The provided information transmission process is a program that transmits the provided information based on the recipient information and the transaction information of the target transaction to the terminal of the provider based on the provider information. The program according to any one of claims 1 to 10.
In the transaction storage unit, information regarding the location of the transaction is included in the transaction information and stored.
The feature information generation process is a program that generates the transaction feature information based on the information about the place. The program according to any one of claims 1 to 11.
In the transaction storage unit, information regarding the movement route of the movement using the transportation means is included in the transaction information and stored for the transaction in which the payer uses the transportation means.
The feature information generation process is a program that generates the transaction feature information based on the information about the movement route. A transaction storage unit that stores transaction information indicating transactions using electronic values,
A transaction information acquisition unit that acquires the transaction information of the target transaction that is the transaction at least once by the payer of the transaction.
A feature information generation unit that generates transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction.
A feature information transmitting unit that transmits the transaction feature information to a plurality of candidate terminals to which the provided information based on the transaction information of the target transaction is provided, and
A consideration information acquisition unit that indicates consideration for the provided information and acquires consideration information generated based on the transaction feature information from the plurality of candidate terminals.
A provider information acquisition unit that acquires provider information indicating the provider selected based on the consideration information among the plurality of candidates, and a provider information acquisition unit.
A provision information transmission unit that transmits the provision information to the provision destination terminal based on the provision destination information,
Indicates a deposit of an amount corresponding to the transaction amount of the subject transaction from the other value associated with the provider to the electronic value of the payer, which is another value different from the electronic value. An electronic value management device comprising a balance update unit that acquires payment information and updates the balance information of the electronic value of the payer. On the computer
Obtaining the transaction information of the target transaction, which is the transaction at least once by the payer of the transaction, from the transaction storage unit in which the transaction information indicating the transaction using the electronic value is stored.
To generate transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction.
To transmit the transaction feature information to a plurality of candidate terminals to which the provided information based on the transaction information of the target transaction is provided, and
The consideration for the provided information is shown, and the consideration information generated based on the transaction feature information is acquired from the plurality of candidate terminals.
Acquiring the provider information indicating the provider selected based on the consideration information among the plurality of candidates, and
To transmit transaction information for transmitting the transaction information of the target transaction to the terminal of the provider based on the provider information, and to transmit the transaction information.
Indicates a deposit of an amount corresponding to the transaction amount of the subject transaction from the other value associated with the provider to the electronic value of the payer, which is another value different from the electronic value. An electronic value management method for acquiring payment information and updating the balance information of the electronic value of the payer. On the computer
Of the transaction information indicating a transaction using electronic value, the terminal displays the transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction which is the transaction at least once by the payer of the transaction. Feature information acquisition process to be acquired from
A consideration information generation process that generates consideration information indicating consideration for the provided information based on the transaction feature information, and
A program for executing a consideration information transmission process for transmitting the consideration information to the terminal. The program according to claim 15.
To the computer
When the computer acquires the provided information of the target transaction from the terminal based on the consideration information, the other value different from the electronic value and associated with the computer is used. A deposit information generation process for generating deposit information indicating the deposit of an amount corresponding to the transaction amount of the target transaction to the electronic value of the payer.
A program that further executes a deposit information transmission process for transmitting the deposit information to the terminal. It ’s a program,
On the computer
Of the transaction information indicating a transaction using electronic value, based on the transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction which is the transaction at least once by the payer of the transaction. The consideration information acquisition process for acquiring the consideration information indicating the consideration for the provided information from the terminal,
A provider information acquisition process for acquiring provider information indicating the provider selected based on the consideration information among a plurality of candidates to which the provider information is provided based on the transaction information of the target transaction.
A program for executing a provider information transmission process for transmitting the provider information to the terminal. The program according to claim 17.
To the computer
The payer information acquisition process for acquiring payer information, which is information indicating the attributes of the payer, and
Further executing the payer information transmission process of transmitting the payer information to the terminal,
The consideration information acquisition process is a program for acquiring the consideration information based on the transaction feature information including the payer information from the terminal. The program according to claim 18.
To the computer
The permission information acquisition process for acquiring the permission information indicating the payer information that is permitted by the payer to be provided to the provider, and the permission information acquisition process.
Further executing the permission information transmission process of transmitting the permission information to the terminal,
The consideration information acquisition process is a program for acquiring the consideration information based on the transaction feature information including the permitted payer information from the terminal. Electronic value management device and
With multiple destination terminals,
With a payer terminal,
The electronic value management device is
A transaction storage unit that stores transaction information indicating transactions using electronic values,
A transaction information acquisition unit that acquires the transaction information of the target transaction that is the transaction at least once by the payer of the transaction.
A feature information generation unit that generates transaction characteristic information indicating the characteristics of the target transaction based on the transaction information of the target transaction.
A feature information transmitting unit that transmits the transaction feature information to the plurality of destination terminals that are a plurality of candidates for providing information based on the transaction information of the target transaction.
A first consideration information acquisition unit that indicates consideration for the provided information and acquires consideration information generated based on the transaction feature information from the plurality of provision destination terminals.
A first provider information acquisition unit that acquires provider information indicating the provider selected based on the consideration information among the plurality of candidates.
A first provision information transmission unit that transmits the provision information to the provision destination terminal based on the provision destination information,
Indicates a deposit of an amount corresponding to the transaction amount of the subject transaction from the other value associated with the provider to the electronic value of the payer, which is another value different from the electronic value. It is equipped with a balance update unit that acquires payment information and updates the balance information of the electronic value of the payer.
The plurality of destination terminals are
A feature information acquisition unit that acquires the transaction feature information from the electronic value management device based on the transaction information of the target transaction.
A consideration information generation unit that generates the consideration information based on the transaction feature information,
A consideration information transmitting unit for transmitting the consideration information to the electronic value management device is provided.
The payer terminal is
A second consideration information acquisition unit that acquires the consideration information from the electronic value management device, and
The second provider information acquisition unit that acquires the provider information, and
An electronic value management system including a second provider information transmission unit that transmits the provider information to the electronic value management device.

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